FDIC Cert #7230 · Norwich, New York · Est. 1856

NBT Bank, National Association - FDIC Bank Health Profile

A community-scale look at NBT Bank, National Association's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$15.9B
Total assets
B
Health grade · Good
1.06%
Return on assets
11.9%
Tier 1 capital

Data updated July 2026

The verdict

NBT Bank, National Association earns a PlainBankData health grade of B (76/100), with well-capitalized at 11.92% Tier 1, profitable at 1.06% ROA, 60% efficiency ratio.

#121
largest of 4,313 FDIC banks by assets
97th
percentile by asset size, nationally
11.92%
Tier 1 ratio - above the 10% well-capitalized line
48th
percentile for profitability (ROA), nationally

The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.

FDIC Call Report plate

Cert 7230 · NY B · 76/100

GRADE-B · MID-PACK · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-PAR · SIZE-LARGE · BOOK-FULL

  • GRADE-B B (76/100)
  • MID-PACK #2392/4307
  • PHOTO-FINISH First Commonwealth B… · PA
  • TIER1-WELL 11.9% Tier 1
  • TEXAS-CLEAN 2.6% Texas
  • ROA-PAR 1.06% ROA
  • SIZE-LARGE $10–100B
  • BOOK-FULL 9/9 fields

Nearest health peer outside New York: First Commonwealth Bank, PA (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around NBT Bank

Lowest and highest poles plus nearest scored peers outside New York, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100First Commonwealth B… · PA ·…76/100LCNB National Bank · OH · ne…76/100NBT Bank, National A… · NY ·…76/100SKYLINE NATIONAL BANK · VA ·…76/100THE VINTON COUNTY NA… · OH ·…76/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around NBT Bank · July 2026

What NBT Bank's Call Report plate shows

NBT Bank, National Association (FDIC Cert #7230) carries a PlainBankData health grade of B at 76/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #2,392 of 4,307. Tier 1 capital prints at 11.92%, clearing the 10% well-capitalized line. The Texas Ratio is 2.60%, inside the sub-50% band analysts treat as healthy. Return on assets is 1.06%. Balance-sheet scale is $15.9B, 121st of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is First Commonwealth Bank (PA), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around NBT Bank

6 FAILURE resolutions in New York since 2000 (5 since 2008)

NBT Bank, National Association's home state sits in the middle band of post-2000 FAILURE counts (6; 5 since the 2008 crisis window). Recent named resolutions below are Failed Bank List rows for this state only; NBT Bank, National Association remains an active FDIC-insured reporter.

  • SIGNATURE BANK NEW YORK, NY 2023 → FLAGSTAR BANK, N.A.
  • USA BANK PORT CHESTER, NY 2010 → NEW CENTURY BANK
  • THE PARK AVENUE BANK NEW YORK, NY 2010 → VALLEY NATIONAL BANK

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and New York banks.

How NBT Bank, National Association's 76/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10076/100
NBT Bank, National Association's composite health score
Tier 1 Capital Ratio (11.92%) 28/40
Return on Assets (ROA) (1.06%) 20/25
Texas Ratio (2.60%) 20/20
Efficiency Ratio (60.43%) 8/15

76 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$15.9B

Total balance-sheet footings

Total Deposits

$13.6B

Customer-funded liabilities

Net Loans

$11.5B

Outstanding loan book

Net Income

$160M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 10.52% 11.92% 13.32%
Basel III capital ratios - NBT Bank, National Association

Where NBT Bank, National Association ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. NBT Bank, National Association's score of 76/100 falls in the highlighted band.

NBT Bank, National Association: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

76 44th percentile higher than 44% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). This entry sits in this band. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. NBT Bank 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

NBT Bank, National Association's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). NBT Bank, National Association's $15.9B falls in the highlighted band.

Safety ratios for NBT Bank

Tier 1 capital ratio
Well-capitalized 10%

11.92% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
11.92%
Texas Ratio
2.60%
Equity Capital
$1.8B

What these ratios mean →

Earnings posture at NBT Bank

Return on Assets (ROA)
48th percentile nationally
1.06%
Return on Equity (ROE)
9.48%
Efficiency Ratio
60.43%

What these mean →

Income & expense at NBT Bank

$711M
Interest Income
$125M
Non-Interest Income
$396M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. NBT Bank, National Association reports a Texas Ratio of 2.60% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

2.60% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View NBT Bank, National Association on FDIC BankFind →

Top banks in New York by total assets

Largest banks headquartered in New York
  1. 1
    Goldman Sachs Bank USA $645.0B

    New York, NY · Grade A

  2. 2
    The Bank of New York Mellon $381.0B

    New York, NY · Grade A

  3. 3
    Morgan Stanley Private Bank $254.7B

    Purchase, NY · Grade A

  4. 4
    Manufacturers and Traders Trust Compa… $212.9B

    Buffalo, NY · Grade A

  5. 5
    Flagstar Bank $87.5B

    Hicksville, NY · Grade D

Top 5 banks in New York ranked by total assets · FDIC Call Report Q4 2025.

National size peers: banks closest to NBT Bank, National Association by assets

Measured strictly by total assets rather than geography, NBT Bank, National Association's closest national peers include Bank of Baroda, Citizens Business Bank, Bank of America California, FirstBank, spanning 5 different states -- a reminder that at this scale, competition and comparison happen nationally, not just within New York. Averaged across this asset-matched cohort, return on assets runs 0.68% (NBT Bank, National Association is above that at 1.06%), the efficiency ratio averages 49.31% (NBT Bank, National Association runs higher at 60.43%), and Tier 1 capital averages 15.37% (NBT Bank, National Association holds less at 11.92%). None of this cohort competes on branch count alone -- balance-sheet scale, funding mix, and regulatory capital posture are the metrics that actually separate similarly-sized institutions.

At $15.9B in assets, NBT Bank, National Association has crossed the $10 billion threshold at which the CFPB takes over direct supervision for consumer-protection compliance under Dodd-Frank Act Section 1025, rather than leaving that oversight solely to the bank's primary prudential regulator.

Closest banks to NBT Bank, National Association nationally by total assets
  1. 1
    Bank of Baroda $15.9B

    New York, NY · Grade F

  2. 2
    Citizens Business Bank $15.6B

    Ontario, CA · Grade A

  3. 3
    Bank of America California $15.5B

    San Francisco, CA · Grade A

  4. 4
    FirstBank $16.3B

    Nashville, TN · Grade B

  5. 5
    First United Bank and Trust Company $16.3B

    Durant, OK · Grade B

  6. 6
    Toyota Financial Savings Bank $15.4B

    Henderson, NV · Grade B

Six FDIC-insured banks nearest in total assets nationwide, regardless of state.

Head-to-head against the six closest national size peers, same FDIC Call Report vintage.
BankStateAssetsROAEfficiencyTier 1
NBT Bank, National Association (this bank) NY $15.9B 1.06% 60.43% 11.92%
Bank of Baroda NY $15.9B 0.00% 0.00% 0.00%
Citizens Business Bank, National Association CA $15.6B 1.39% 42.42% 15.66%
Bank of America California, National Association CA $15.5B 0.54% 52.30% 36.85%
FirstBank TN $16.3B 0.89% 59.00% 11.69%
First United Bank and Trust Company OK $16.3B 0.97% 68.85% 12.24%
Toyota Financial Savings Bank NV $15.4B 0.30% 73.28% 15.74%

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($15.9B here), outside New York so the neighborhood is not state containment.

Citizens Business Bank $15.6B · CA Bank of America California $15.5B · CA FirstBank $16.3B · TN First United Bank and Trust Company $16.3B · OK

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) NBT Bank, National Association (FDIC Cert #7230) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

NBT Bank, National Association Call Report profile · FDIC Failed Bank List · New York FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in New York

All New York banks →
BankAssetsGradeROA
Goldman Sachs Bank USANew York $645.0B A 1.42%
The Bank of New York MellonNew York $381.0B A 1.31%
Morgan Stanley Private Bank, National AssociationPurchase $254.7B A 1.10%
Manufacturers and Traders Trust CompanyBuffalo $212.9B A 1.40%
Flagstar Bank, National AssociationHicksville $87.5B D -0.14%
Bank of ChinaNew York $61.9B F 0.00%
Deutsche Bank Trust Company AmericasNew York $43.0B A 1.86%
State Bank of IndiaNew York $22.6B F 0.00%